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Plano city, TX

ZIP 75023 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75023

Median Home Value
$385,800
Median Rent
$1,655
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,478/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

19.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 75023 in Plano city, TX, a household would need roughly $106,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,478. That is roughly in line with the local median household income ($106,488). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.0%-4% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
24.6%-51% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$385,800
Home Value
$1,655
Rent
1985
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached70.8%
  • 1-unit attached3.6%
  • 2-9 units10.6%
  • 10+ units14.7%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$385,800
Median rent$1,655
Owner-occupied63.0%
Vacant3.9%
Price-to-income3.6x
Est. income to buy$106,000